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Co-buying works.

Getting there takes a legal structure, a shared agreement, and a financing strategy that most groups spend months trying to piece together. We made it two steps.

Service 01: Get your group ready Service 02: Find the home

Service 01

Get your group ready.

$2,500 $1,000 per group

Summer 2026 launch pricing. First 10 groups.

Comprehensive support. Everything your group needs before you put in an offer.

Includes
  • Your legal structure (LLC, TIC, or co-op) selected for your group
  • A co-ownership agreement template customized to your group
  • Buying power calculated for every member
  • Down payment assistance eligibility. We walk you through the full application process, including Boston's $50K zero-interest program
  • A financing package: loan documents organized so lenders see your group as one strong application
  • Introductions to pre-qualified lenders
  • A governance framework covering decisions, expenses, and conflict resolution
  • An exit strategy and ownership-split methodology baked in from day one
  • Access to on-market properties filtered through our co-buying analysis

Every group is different. However, that does not mean you need to start from scratch. We have identified three archetypes who share similar legal and operational structures. Pick the one that fits and customize the specifics.

Three archetypes, each ready to be customized.

01 LLC

The Stepping Stone

A few years of ownership instead of a few years of rent.

A group of friends, fresh out of school or early in their careers, who would otherwise spend the next few years writing rent checks. They buy together, build equity, and walk away with a return when life pulls them in different directions.

WhoRoommates who want to stop paying rent
Group size4 to 8 buyers
Budget$30K to $50K per person
Horizon5 to 10 years
PropertyTriple-decker or large multi-bed near transit

Exit plan

Pre-planned sale date, set in the operating agreement. 100% vote required to extend. Returns split by share.

How it runs

  • Pre-planned sale date set at signing
  • 100% vote required to extend ownership
  • Majority vote for new tenants in unrented rooms
  • Quarterly check-ins on house finances

You want to stop bleeding rent. You like your friends. You are not pretending this is forever.

02 TIC or LLC

Condo Neighbors

Your own front door. Your friends one wall away.

A handful of couples or individuals who want their own unit but love the idea of buying near friends. They acquire a multifamily together, live in separate units, and convert to condos in three to five years so each household can own independently.

WhoCouples and individuals in their 30s and 40s
Group size2 to 4 households
Budget$80K to $150K per household
Horizon10+ years in the home, 3 to 5 in collective ownership
PropertyTriple-decker or two-family in Somerville, Medford, JP, or similar

Exit plan

Condoize the property in 3 to 5 years. Once Massachusetts condo conversion clears, each household owns their unit outright and sells on their own timeline.

How it runs

  • Joint decisions limited to building-wide concerns: roof, foundation, exterior
  • Each household runs their own unit
  • Shared expense calendar for capital reserves
  • First right of refusal between neighbors before listing publicly

You want the neighborhood. You want the people. You also want to control your decisions.

03 Co-op

Co-Intentional Community

A home you do not plan on selling.

A medium to large group, often values-aligned, who want to live together in community for the long arc. The home is not an investment to flip. It is a place that holds future generations and stays affordable on purpose.

WhoMixed ages, values-aligned, often service-oriented
Group size6 to 20+ residents
Budget$25K to $75K each, with affordability ladders
HorizonIndefinite. Generational.
PropertyLarge single-family, small multifamily, or purpose-built communal

Exit plan

No plans to sell. Members come and go. Shares transfer at a regulated value to keep the home affordable for the next resident. The property stays. People rotate.

How it runs

  • Elected board with rotating seats and term limits
  • Consensus for major decisions, simple majority for operations
  • Standing committees for finance, maintenance, and member intake
  • Documented bylaws with annual review

You want neighbors who become family. You want a home that outlasts you.

Not sure which track fits? Five questions.

Takes 60 seconds.

This is what Service 01 is built for.

Start your group

See how long until you are ready.

Annual income per person $60,000
Savings rate 15%

Down payment target

One more thing.

This package covers everything you need to be ready to buy. Two things are not in it.

You will need an attorney to review and execute the final documents. We will point you to one. You will need a lender for the mortgage. We have pre-qualified ones we trust and will make the introduction.

Both of those conversations will be short because we have done the discovery work for you. The goal is that you show up to both with answers, not questions.

Most groups are ready in 90 days. Some take longer. The package stays active for a full year so there is no pressure to move before you find the right property. If you know you want to co-buy in the next 12 months, this is how you get on that path.
Start your group, $1,000

Summer 2026 launch pricing. First 10 groups.

Service 02

Find the home.

We are filtering Massachusetts real estate for co-ownership viability. When your group is ready, you get access.

The metrics we look at are different from what a single buyer cares about. Price per bedroom. Down payment per person. Monthly cost per household. Layouts that give each household real private space. We know what we are looking for.

At any given time we have 15 to 20 properties worth buying. Service 01 groups get access to that list. We represent you as buyer's agent through close.

Buyer's agent fee

4% flat at close

Your $1,000 from Service 01 is credited at closing.

These are example properties from our analysis. Each one has already sold. Scroll to see more.

123 Oak Street

Somerville, MA

Sample Analysis
5 bed 4 bath 2,100 sf

List Price

$1,200,000

5yr Exit/Bed

$285K

Price/Bed

$240K

15yr Exit/Bed

$368K

Down/Bed

$48K

Bath/Bed

0.80

Monthly/Bed

$3,120

SF/Bed

420 sf

Strong price-per-bedroom in one of Greater Boston's fastest-appreciating neighborhoods. Walkable to the Red Line.

456 Maple Ave

Medford, MA

Sample Analysis
4 bed 3 bath 1,850 sf

List Price

$975,000

5yr Exit/Bed

$271K

Price/Bed

$244K

15yr Exit/Bed

$349K

Down/Bed

$49K

Bath/Bed

0.75

Monthly/Bed

$2,640

SF/Bed

462 sf

Quiet street with recent kitchen and bath renovations. Strong school district adds long-term value.

789 Elm Road

Jamaica Plain, MA

Sample Analysis
6 bed 5 bath 2,600 sf

List Price

$1,550,000

5yr Exit/Bed

$298K

Price/Bed

$258K

15yr Exit/Bed

$394K

Down/Bed

$52K

Bath/Bed

0.83

Monthly/Bed

$3,840

SF/Bed

433 sf

Rare six-bedroom with a legal accessory unit. High appreciation corridor, flexibility for groups with varying income.

321 Cedar St

Arlington, MA

Sample Analysis
3 bed 2 bath 1,400 sf

List Price

$850,000

5yr Exit/Bed

$312K

Price/Bed

$283K

15yr Exit/Bed

$401K

Down/Bed

$57K

Bath/Bed

0.67

Monthly/Bed

$2,280

SF/Bed

467 sf

Accessible entry point for a smaller group. Arlington's appreciation curve has outperformed most of Middlesex County for 10 years.

Want to see this analysis in more detail? These are from real properties. Read the full breakdowns: 33 Harvard St, Arlington and 400 Medford St, Somerville.

What we look for.

A property that works for a single buyer is not the same as one that works for a group. These are the criteria that make or break a co-buy.

Price per bedroomTotal cost divided by usable bedrooms. The real number for a group.
Down payment per personWhat each buyer actually needs to bring. We check it against buying power from Service 01.
Monthly cost per householdMortgage, taxes, insurance, and reserves, split by the number of households.
Layout viabilityCan the property give each household real private space? A good price means nothing if people are on top of each other.
Condo conversion potentialFor Condo Neighbors groups, we look at whether Massachusetts condo conversion is feasible for the property.
Appreciation corridor5-year and 15-year exit projections per bedroom, based on neighborhood trends.

How it works.

1

Complete Service 01

Your group gets the full package: legal structure, agreement template, financing prep. This is the foundation.

2

Access the shortlist

We share our active list of co-buy-ready properties. You see the analysis behind each one, not just the listing.

3

Your group votes

We present properties as a group. Everyone sees the same numbers. You decide together which ones are worth pursuing.

4

We make the offer

We represent all buyers as one unified party. Multi-buyer transactions require different strategy than solo purchases. This is what we do.

5

Due diligence through close

We guide the group through inspection, financing coordination, and closing. Your $1,000 from Service 01 is credited at close.

Already have a group and just need the property side? Reach out.

For homeowners.

You get qualified buyers at a good price. They get a home.

If you own a property in Massachusetts and are thinking about your next step, we work with sellers too.

Learn more